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SFNC

Simmons First National Corporation

SFNC

Simmons First National Corporation • NASDAQ
$18.55 ▼ -0.43% (-0.08)
Market Cap $2.68 B
52w High $24.83
52w Low $17.00
Dividend Yield 0.85%
P/E -5.69
Volume 408.26K
Outstanding Shares 144.72M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $-445.981M ▼ $138.815M ▲ $-562.792M ▼ 126.192% ▲ $-4.47 ▼ $-713.539M ▼
Q2-2025 $354.186M ▲ $135.398M ▼ $54.773M ▲ 15.464% ▲ $0.43 ▲ $73.852M ▲
Q1-2025 $350.963M ▼ $141.551M ▲ $32.388M ▼ 9.228% ▼ $0.26 ▼ $48.959M ▼
Q4-2024 $366.398M ▲ $137.975M ▲ $48.319M ▲ 13.188% ▲ $0.38 ▲ $65.304M ▲
Q3-2024 $348.218M $133.992M $24.74M 7.105% $0.2 $37.153M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $2.904B ▼ $24.208B ▼ $20.854B ▼ $3.354B ▼
Q2-2025 $3.05B ▼ $26.694B ▼ $23.144B ▼ $3.549B ▲
Q1-2025 $3.126B ▲ $26.793B ▼ $23.262B ▼ $3.531B ▲
Q4-2024 $2.085B ▼ $26.876B ▼ $23.347B ▼ $3.529B ▲
Q3-2024 $3.295B $27.269B $23.741B $3.529B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $0 ▼ $0 ▼ $0 ▼ $0 ▲ $0 ▼ $0 ▼
Q2-2025 $54.773M ▲ $77.643M ▲ $88.684M ▲ $-156.151M ▼ $10.176M ▲ $66.308M ▲
Q1-2025 $32.388M ▼ $32.796M ▼ $-9.007M ▼ $-76.88M ▲ $-53.091M ▼ $22.645M ▼
Q4-2024 $48.319M ▲ $82.865M ▼ $390.916M ▲ $-389.806M ▼ $83.975M ▲ $72.291M ▼
Q3-2024 $24.74M $199.405M $62.973M $-233.309M $29.069M $187.706M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Credit and Debit Card
Credit and Debit Card
 $20.00M ▲$10.00M ▼$10.00M ▲$10.00M ▲
Deposit Account
Deposit Account
 $30.00M ▲$10.00M ▼$10.00M ▲$10.00M ▲
Fiduciary and Trust
Fiduciary and Trust
 $20.00M ▲$10.00M ▼$10.00M ▲$10.00M ▲
Financial Service Other
Financial Service Other
 $0 ▲$0 ▲$0 ▲$0 ▲
Mortgage Loans
Mortgage Loans
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has been climbing steadily over the past few years, which is a positive sign for Simmons. However, profitability has moved the other way: income and earnings per share are clearly below their earlier peaks. This suggests margin pressure, likely from higher funding costs, competitive loan pricing, and possibly higher credit or operating expenses. In short, the bank is doing a better job growing its business volume, but turning that growth into profit has become harder, and restoring stronger margins will be an important focus going forward.

Balance Sheet

Balance Sheet The balance sheet looks generally solid and relatively stable. Total assets have leveled off after a period of growth, indicating a more measured expansion phase. Cash balances are much lower than during the pandemic-era spike but have stabilized at a more normal level. Debt has trended down from earlier years, while equity has steadily increased, which points to a stronger capital base and a more conservative funding mix. Overall, Simmons appears to be better capitalized and less reliant on borrowed funds than a few years ago, which is a positive for resilience in a tougher rate or credit environment.

Cash Flow

Cash Flow Cash generation from the core banking business has improved compared with earlier in the period, with operating and free cash flow both stronger in recent years. Investment spending has been modest and consistent, suggesting disciplined capital expenditure and a focus on efficiency rather than large, risky projects. Free cash flow comfortably exceeds capital spending, which supports Simmons’ ability to fund dividends, invest in technology, and absorb potential credit shocks. The pattern points to a bank that is cash generative and cautious about major outlays.

Competitive Edge

Competitive Edge Simmons holds a solid niche as a regional, relationship-focused community bank with a long history and deep local ties. Its diversified offering—commercial and consumer banking, wealth management, and treasury services—helps it compete with both local banks and larger national players. A long record of steady dividend payments and disciplined balance sheet management reinforces its reputation for prudence. On the other hand, it still faces the typical pressures on regional banks: intense competition for deposits, pricing pressure from large national banks and online players, and sensitivity to economic conditions in its core markets. Its scale is meaningful but not massive, so maintaining cost efficiency and deposit loyalty is key to sustaining its competitive edge.

Innovation and R&D

Innovation and R&D Simmons is investing heavily in modernizing its technology while keeping its community-banking character. The “Next Generation Bank” and “Better Bank Initiative” programs center on a revamped digital platform, more efficient processes, and better use of data and automation. Features like fully digital account opening, integration with modern payment tools, and open-banking partnerships show a willingness to adopt new models rather than build everything in-house. The bank is also exploring data analytics and early AI use cases to sharpen customer insights and improve profitability. The upside is a more scalable, tech-enabled franchise; the main risks are execution complexity, technology change outpacing internal capabilities, and the need to maintain strong cybersecurity and customer trust during the transition.

Summary

Simmons First National combines a traditional, community-focused banking model with a clear push toward digital modernization. Top-line revenue growth is a strength, but profitability has softened from earlier highs, reflecting margin and cost pressures that management will need to address. The balance sheet appears sound, with stronger capital and lower debt reliance than earlier in the decade, and cash flows are healthy enough to support ongoing investment and shareholder returns. Competitively, the bank benefits from long-standing local relationships and a diversified product set, but it still faces tough competition and interest-rate sensitivity like most regional banks. The big opportunity lies in successfully executing its tech and efficiency initiatives and continuing to grow organically in attractive markets, especially through and after the planned leadership transition. Overall, it looks like a cautious, steady operator working through a more challenging profitability phase while investing for a more efficient, digitally capable future.

NEWS

November 10, 2025 · 4:58 PM UTC

Simmons First National Corporation Declares $0.2125 Per Share Dividend

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October 16, 2025 · 4:30 PM UTC

Simmons First National Corporation Reports Third Quarter 2025 Results

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October 6, 2025 · 9:26 AM UTC

Simmons Bank hires Jodie Cochran as National Sales and Production Manager

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September 24, 2025 · 4:30 PM UTC

Simmons First National Corporation Announces Third Quarter 2025 Earnings Release Date and Conference Call

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September 10, 2025 · 2:23 PM UTC

Tickets on Sale for Simmons Bank Championship Caddie Shootout presented by Saracen Casino Resort

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